Amex product change via chat (it’s back and better than before)

I hate having to call to accomplish pretty much anything. If there’s a way to do what I need online, that’s always my preference. So, I’m exited to report that Amex once again allows product changes via chat! And it is much better than before.

Today, just as I was about to call to downgrade my Delta Reserve business card to the Delta Platinum business card, it occurred to me that it was worth giving online chat a try. I used to make product changes regularly through chat, but Amex ended that ability some time ago (maybe a year ago?). So, I gave it a try… just in case.

Not only did it work.. I was done in seconds. Seriously. I think it was well under a minute between me initiating the chat and receiving the message that it was all done!

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

It’s also very easy to cancel cards by phone without talking to a person. But this is good when you don’t want to cancel the card.

Vote Up0Vote Down Reply

28 days ago

Guest

J L

“It’s also very easy to cancel cards by phone without talking to a person.”
-sometimes too easy that it’s cancelled before reaching a retention specialist

Vote Up0Vote Down Reply

28 days ago

Guest

WR2

Can you remind us what is the Amex policy on AF refunds/prorating when product changing or cancelling? I’m thinking of cancelling my SPG personal soon, just after free night posts. Then next year I’m thinking of downgrading my SPG Luxury to Personal when that free night posts.

When you product change they’ll prorate the new annual fee and prorate the refund on the original card’s annual fee. When you cancel you’ll only get a refund if it’s within 30 days of the fee. I don’t think you’ll get your free night in time

Vote Up0Vote Down Reply

28 days ago

Guest

WR2

OK thanks. Lux to Personal downgrade will work at least.

Vote Up0Vote Down Reply

28 days ago

Guest

Mark Post

My wife just email to upgrade Amex Acend to Aspire of 150k points and curious if you can use this service to accept that offer?

Probably. Make sure to give them the unique code that came with the email

Vote Up0Vote Down Reply

23 days ago

Guest

FreeIsGood

When calling to downgrade, does AMEX ever offer a retention bonus to keep the premium version of the card? Or is that just when calling to cancel? Thinking of ditching the AMEX Plat for now (after the new year and airline credit spend, of course) via downgrade to the new AMEX Gold. I like easy, but if I forgo any potential points by chatting, I’ll want to call. I also have the Aspire, so I’m going to try a strategically timed downgrade at some point on that too.

I have an American Express Delta Reserve card as well. For Thanksgiving I thought I’d take my family on a vacation. I booked a trip for three of us to go visit family member #4 at college. I used the AMEX Delta Reserve card for all three tickets. When I got to the airport, we were charged for luggage (supposed to be a benefit of the Delta Reserve right?) Then I was charged $29 for each of us to stay in the lounge for an hour (again, a benefit of membership) So I went ahead and purchased a “DAY Pass” *with my Delta Reserve card, just to make a point. When I went to board our first flight, I was in Zone 1, my wife and son were in Zone 3. Same reservation, same credit card, SAME F-ing ROW OF SEATS (Window, middle and Aisle) > why the different zones? The Gate Agent made a big deal about it when we tried to board together. Then on the layover, I tried to enter another lounge with my Delta Reserve Card and my DAY pass from a few hours ago. Guess what? a “DAY” pass isn’t good for the day or travel, just the hour we spent at our original airport. Then I tried to use the WiFi with my AMEX card and there were no GoGo coupons so once again I foolishly paid for a DAY of internet. It worked on the first flight, but I was asked to pay for internet on the second leg. I guess my definition of a Day needs some research. Departing at noon, and arriving at 7 pm seems to not be a “DAY” to anyone else. And to add to my confusion, with my status and use of the Delta Reserve card I was automatically upgraded to Comfort+ on the second flight, but my family was not. I think I’m done with both Delta Airlines and AMEX Delta Reserve >

Vote Up0Vote Down Reply

28 days ago

Guest

Brad C

Tried to product change Platinum to Gold today over chat. They said a high tier card card like the Platinum card can only be product changed over the phone.

Blog Sort Order

Advertiser Disclosure: FrequentMiler is an independent, advertising-supported web site. Frequent Miler has financial relationships with many of the cards mentioned here, and is compensated through the credit card issuer Affiliate Program. This compensation does not impact how or where products appear on this site. Frequent Miler has not reviewed all available credit card offers in the marketplace. Advertiser partners include American Express, Barclays, Capital One, and CreditCards.com.

Editorial Note: The editorial content on this site is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.